The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$5,385
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,553
−HK$170/mo
Today · 4.125%
HK$5,723
baseline
▲ 0.50% · 4.625%
HK$6,071
+HK$348/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,446/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,991
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,152
−HK$163/mo
Today · 4.125%
HK$6,315
baseline
▲ 0.50% · 4.625%
HK$6,647
+HK$332/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,630/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,462
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,663
−HK$204/mo
Today · 4.125%
HK$6,867
baseline
▲ 0.50% · 4.625%
HK$7,285
+HK$418/mo
Deposit HK$945K · loan HK$1.42M · min. income ≈ HK$13,734/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,189
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,382
−HK$196/mo
Today · 4.125%
HK$7,578
baseline
▲ 0.50% · 4.625%
HK$7,977
+HK$399/mo
Deposit HK$945K · loan HK$1.42M · min. income ≈ HK$15,156/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,539
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,774
−HK$238/mo
Today · 4.125%
HK$8,012
baseline
▲ 0.50% · 4.625%
HK$8,499
+HK$487/mo
Deposit HK$708K · loan HK$1.65M · min. income ≈ HK$16,024/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,387
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,612
−HK$228/mo
Today · 4.125%
HK$8,840
baseline
▲ 0.50% · 4.625%
HK$9,306
+HK$466/mo
Deposit HK$708K · loan HK$1.65M · min. income ≈ HK$17,680/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,693
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,995
−HK$306/mo
Today · 4.125%
HK$10,301
baseline
▲ 0.50% · 4.625%
HK$10,928
+HK$627/mo
Deposit HK$236K · loan HK$2.13M · min. income ≈ HK$20,602/mo (50% DSR)
Upfront cash ≈ HK$236K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,784
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,073
−HK$293/mo
Today · 4.125%
HK$11,366
baseline
▲ 0.50% · 4.625%
HK$11,965
+HK$599/mo
Deposit HK$236K · loan HK$2.13M · min. income ≈ HK$22,732/mo (50% DSR)
Upfront cash ≈ HK$236K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).